If you’re looking for a payday loan in California, from San Francisco to San Diego, Find Me A Loan Today can help!
You can request a loan between $500 and $5000 to cover all sorts of unexpected costs.
When something unexpected happens, we don’t always have the funds available to cover the cost. If it’s an emergency expense, like a vet or medical bill, we probably haven’t had time to think about saving, so may look into payday loan options.
If you’re looking for a payday loan in California, Find Me A Loan Today can help! Once you’ve completed our short online loan request form, you should receive an instant loan decision on screen.
Searching for a suitable payday lender can be time consuming and stressful. Your short-term credit could be a click away.
We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find a suitable loan for you.
Although we don’t lend money directly, we’re still here to help you get a loan even if you don't have a perfect credit history.
Find Me A Loan Today works with lenders across California, so you can make a loan enquiry from just about anywhere in the state, including:
You may have heard of payday loans, but what makes them different from other types of short term credit? As their name indicates, payday loans are typically repaid on your next payday, which means that most people only borrow payday loans for a few days or weeks.
The main difference between payday loans and installment loans, which are another type of short term loan, is that with a payday loan, you repay the funds in one full payment. An installment loan is typically for larger expenses, so you’d pay back the loan over several months, to spread the cost of borrowing.
One of the main benefits of a payday loan is that although they can come with relatively high interest rates, you probably won’t pay back that much interest overall. You only pay interest on the loan for the time it’s open, so if you’re borrowing the money for a week, you’d only pay seven days of interest.
Payday loans are intended for unforeseen expenses, to tide you over until you get your next paycheck. So if your car breaks down, and you need to fix it in order to get to work, or if your boiler breaks and you have to hire a plumber, a payday loan can cover the cost until payday.
As these aren’t the sort of things you can plan for, you may not have enough money in your savings account to pay for the expense, so a lot of people use Find Me A Loan Today to search for a short term loan.
When you do have an emergency cost, you’ll probably need fast cash to pay for it as quickly as possible. That’s why the payday loan request process is designed to be incredibly simple and straightforward. When you make a loan enquiry with Find Me A Loan Today, the form shouldn’t take more than a few minutes to complete, and you should then be redirected to a suitable lender if you’re approved. The majority of the lenders in our network will then aim to pay out the funds by the next business day.
It is important to remember that payday loans are not meant for long term use, and should not be used to pay for things like partying or unnecessary purchases. You should only take out a payday loan when you need the money for a short term unexpected cost, and if you know that the repayments will be affordable. Missing or making late payments can result in further interest being added, and could impact your credit rating.
Even if you have bad credit, and have been turned down by lenders in the past, you may still be eligible for a payday loan in California. With most payday lenders, you’ll need to meet the following requirements:
If you meet the above criteria, Find Me A Loan Today could be able to connect you with a suitable payday loan provider. It should be noted though, that if you have recently been made bankrupt, or become insolvent, you are less likely to be approved for future credit.
Having a poor credit score can make it more difficult to take out loans or other forms of credit. But this doesn’t mean it’s impossible - many payday lenders will consider all credit histories and not just focus on your credit score.
Often having a bad credit rating is due to things like missed or late payments that happened ages ago, or could even be due to errors on your credit report. It’s a good idea to check your credit report on a fairly regular basis, to see if all the information is accurate - you can do so for free via AnnualCreditReport.com around the time of tax season.
Our lenders understand that nobody has perfect credit, and that your credit score isn’t necessarily a good indicator of how you manage your money. They will therefore look at factors such as your employment history, and your monthly expenses when making a loan decision, not just your credit score. As long as you’re able to comfortably afford to make the due repayments, some lenders may consider you for a payday loan.
Taking out credit and making repayments early or on time can actually help you boost your credit rating, as it shows you’re responsible with money. So if you’re looking for a California payday loan, you can get started today by completing our simple online loan request form.
We’ve designed our systems so that you can make a loan request using any device, whether it’s a desktop computer, cell phone or tablet. Gone are the days when you had to search for ‘payday loans near me’ - you can make a loan enquiry from anywhere online!
If you are searching for a California payday lender, it’s important to check whether they are a responsible loan provider, and follow all the state and federal laws in terms of short term lending. Find Me A Loan Today only work with reputable lenders, so you can rest assured that when you submit a loan request with us, you’ll be working with a trustworthy direct lender.
When you make a loan enquiry with us, we’ll ask you for a few personal details, information about your employment, as well as your income and expenditure, and for your bank details. The process shouldn’t take long to complete, though you can help speed it up by having things like your bank card and monthly budget to hand.
When it comes to how much you can borrow with a payday loan, you can take out a loan of up to $5,000 with one of Find Me A Loan Today’s loan providers.